Pennsylvania has set laws in place when choosing auto insurance coverage options.
Understanding your auto insurance policy can be confusing, but it is important, especially when choosing coverage options.
One coverage option is Personal Injury Protection coverage also known as PIP.
This type of coverage is required in the state of Pennsylvania.
Personal Injury Protection coverage covers a driver’s medical bills, lost wages and even funeral expenses after an accident, regardless of who was at fault.
PIP is used in no-fault states like Pennsylvania because it is intended to pay your medical bills faster rather than determining fault and filing a claim to cover those bills.
If the accident was not your fault, you can still pursue a claim against the at-fault party for other medical bills, missed time from work, pain and suffering and any other out-of- pocket expenses caused by the accident.
The minimum requirement for PIP coverage is only $5,000. A minor injury can easily surpass these limits. You can always purchase higher coverage limits.
Once this coverage has been exhausted, your personal health insurance will cover your personal injuries and then the at-fault driver will cover other damages.
Personal Injury Protection coverage (PIP) can also help you in the unfortunate event of a hit and run accident. This is when the accident was not your fault, but the other driver fled the scene and cannot be located.
Because PIP coverage is a requirement in Pennsylvania, you do not need to worry about whether you have this coverage, but it is important to know what your limits are.
Recovering compensation after an accident:
If you or a loved one were injured in an accident, contact the personal injury attorneys at Berger and Green. Our attorneys will provide you with a free no obligation consultation to evaluate your case. Call 412-661-1400 to speak with an attorney today.
Source: PA.gov, “Laws and Regulations”
